Agree totally with you Rob & one more thing - none of the doc forgery companies were exactly new to real estate work.   Breaking the law was a decision they made all on their own & for their own benefit. They always had the option of doing the work correctly & legally.     The end does not justify the means & allowing institutions to get a pass because the people on the other side of the equation are in financial trouble is the first step downwards on a very slippery slope.  The whole real estate process, including foreclosures, is based on the integrity of the players in the  system.  Without that integrity,  the end result is chaos. 

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